medicare was passed, if you speak to people, the first ten years of medicare were a challenge as they figure out the economic realities behind it. if you are taking care of your parents, just take care of your parents, put a plan in place now. the net result of the affordable care act is you and myself as consumers are more responsible. tracy: one of the problems with the whole system is the administrative part of it. it is so darn confusing. you help people get that thought in mind. if only the government could do that as well. >> i am not sure if that is the role of government. i do not think there is anyone else in the system except for the consumer at the end of the day you will have to own up for the responsibility to make sure they are coordinated with the system. i do not think the system will help take care of you. that is not the system. tracy: many of us will pay way more attention. >> i think that is right. other than that, it made me feel really, really good about myself. >> wish i could have provided you more. [ laughter ] tracy: we are not alone. we all feel the same way